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Wellby Financial

Wellby Secure Spending

Earn dividends on your account balance while managing your daily spending.

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Everyday Banking with Even More Benefits

Our Secure Spending checking account gives you more flexibility with additional benefits, services, and interest.

  • Up to $15 ATM fee reimbursement*
  • Expanded Identity Theft Protection
  • One free box of standard checks per calendar year
  • Multiple ways to waive the monthly fee

We Offer Advantages Like Never Before

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Earn While Spending

Earn dividends while still enjoying no minimum balance or direct deposit requirements.

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Budget Management

Our budgeting tools allow you to see the big picture while still managing the day-to-day.

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Peace of Mind

24/7 fraud monitoring, security alerts, and $0 Liability Protection for fraudulent charges.

A Low Service Fee You Can Waive

We’ll waive your $6 monthly service fee when you:

  • Set up a direct deposit of at least $300 per month
  • Register for our online banking platform and log in once every three months
  • Complete one of the following: eight or more posted debit card transactions or bill payments with your debit card, or have $40,000+ in lending balances with Wellby
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Illustration of two people sending money back and forth to each other

Easy Money Transfers

Transfer funds between your accounts or to friends and family with our peer-to-peer services. 

Your Money When You Need It

Convenient locations, thousands of ATMs, and digital banking online or on your mobile device give you complete access to your funds when and where you need them.

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Image of the world with a Wellby debit card that can be used anywhere

Banking Worldwide

Never pay a foreign transaction fee again on your Visa card accepted worldwide.

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nxg|PROTECT Program

With the support of the nxg|PROTECT program, a Wellby Secure Spending or Wellby Spending Plus account provides you access to expanded identity monitoring services in addition to the fully-managed identity theft recovery services included with all accounts. Keep your identity safe and secure with the extended benefits included in the nxg|PROTECT program.

  • Annual tri-bureau credit reports and scores available once every 12 months on demand.
  • Monitor credit activity with TransUnion® immediately and extend monitoring to include Experian® and Equifax® at any time.
  • Dark Web Monitoring to detect personal information such as email addresses, credit card numbers, and passwords.

Additionally, nxg|MOBILE provides Mobile Phone Coverage with easy-to-use mobile phone insurance for all phones owned by the primary account holder.

Learn More

Compare Checking Accounts

ProductWellby SpendingWellby Spending PlusWellby Secure SpendingWellby Achievement CardWellby Early Start Checking
Initial Deposit$25$25$25$10$10
Monthly Fee$0$10/Free*$6/Free$0$0
Debit Card
Checks
Online Bill Pay
Overdraft Service
ATM Services
Identity Theft Recovery
Expanded Identity Theft Protection & Mobile Phone Coverage*
Disclosure

Wellby Spending

Wellby Secure Spending

Wellby Spending Plus

Wellby Achievement Card

Wellby Early Start Checking

ACCOUNT TYPE

Wellby Spending

BalancesDividend RateAnnual Percentage Yield (APY)Minimum Opening DepositMinimum Balance to Earn APYMinimum Balance to Avoid Service FeeDividends CompoundedDividend Credited
$0.01+0.03%0.03%$25.00$0.01$0.00DailyMonthly

Ready to get Started?

If you need more than a basic checking account, the Wellby Secure Spending account may be the perfect fit for you. You’re only a few clicks away from enjoying your expanded Wellby member benefits.

Wellby Secure Spending FAQs

Want to know more about what the Wellby Secure Spending account can do for you? Check out our frequently asked questions.

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Common Questions

How do I apply for a Wellby Secure Spending account?
Does the Wellby Secure Spending account have any fees?
Can I manage my Wellby Secure Spending account online?
How do I activate the enhanced identity theft monitoring services that are included with my Wellby Secure Spending account?